OTP Bank Plc

Board/Management Information • Dec 16, 2025

Reference number: IR-422/2025

16 December 2025

Extraordinary announcement

Decision by the National Bank of Hungary on the extent of additional capital requirement

OTP Bank Plc. hereby announces that following the group-wide Supervisory Review and Evaluation Process (SREP) – including a multilateral procedure involving the European Central Bank, and National Bank of Croatia – the National Bank of Hungary imposed the below additional capital requirements for OTP Group, on consolidated level:

• 1.01%-points in case of the Common Equity Tier1 (CET1) capital, accordingly the minimum requirement for the consolidated CET1 ratio is 5.51% (without regulatory capital buffers);
• 1.34%-points in case of the Tier1 capital, accordingly the minimum requirement for the consolidated Tier1 ratio is 7.34% (without regulatory capital buffers);
• 1.79%-points in case of the Total SREP Capital Requirement (TSCR), accordingly the minimum requirement for the consolidated capital adequacy ratio is 9.79% (without regulatory capital buffers).

The minimum requirements for own funds and its different elements enter into force on 1 January 2026 and remain effective until the next review.

OTP Bank Plc.

OTP Bank Plc. Postal address: P.O.B.: 501 Budapest H-1876 Hungary E-mail: investor.relations@otpbank.hu Internet: www.otpbank.hu

Address: Nádor street 16. Budapest H-1051 Hungary